Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A system, comprising: one or more hardware processors; and a memory storing computer-executable instructions, that in response to execution by the one or more hardware processors, causes the system to perform operations comprising: receiving a request to connect with a merchant device of a merchant, the request including a device identifier corresponding to the merchant device; subsequent to establishing an electronic connection with the merchant device based on the request, causing the merchant device to display a first visual code based on the device identifier included in the request; receiving an item identifier corresponding to a good or a service offered by the merchant, wherein the item identifier is received from a point-of-sale device that is different than the merchant device; after receiving the item identifier, receiving a request to initiate a payment transaction between a consumer and the merchant, the request to initiate the payment transaction being transmitted to the system in response to a consumer device of the consumer scanning the first visual code displayed by the merchant device; associating the item identifier with the request to initiate the payment transaction; causing the consumer device to generate a user interface displaying a request for a payment amount to entered; subsequent to receiving an entered payment amount corresponding to the displayed request on the user interface, causing funds equal to the entered payment amount to be transferred from an account of the consumer to an account of the merchant; and in response to determining, based on one or more criteria, an occurrence of a code change event, causing the merchant device to display a second visual code in replacement of the first visual code, the second visual code being different than the first visual code.
This invention relates to a payment processing system that facilitates secure and dynamic transactions between consumers and merchants using visual codes. The system addresses the problem of securely linking payment requests to specific items or services while ensuring flexibility in transaction initiation and completion. The system includes hardware processors and memory storing instructions to execute operations. Upon receiving a connection request from a merchant device, the system establishes an electronic connection and causes the merchant device to display a first visual code based on a device identifier. A separate point-of-sale device provides an item identifier for a good or service. After receiving a payment initiation request triggered by a consumer scanning the visual code, the system associates the item identifier with the transaction. The consumer device then prompts for a payment amount, which, once entered, triggers a fund transfer from the consumer's account to the merchant's account. The system also monitors for code change events, such as timeouts or security breaches, and dynamically replaces the first visual code with a second, different visual code to maintain security. This approach ensures secure, item-specific transactions while allowing dynamic updates to prevent unauthorized use.
2. The system of claim 1 , wherein the one or more criteria comprises at least one of a predetermined amount of elapsed time, a number of completed payment transactions, or a number of initiated payment transactions.
This invention relates to a payment processing system designed to manage and optimize transaction handling based on predefined criteria. The system monitors payment transactions and applies rules to determine when certain actions should be triggered. These criteria include a predetermined elapsed time, a specific number of completed payment transactions, or a specific number of initiated payment transactions. The system dynamically adjusts its operations based on these conditions to improve efficiency, security, or user experience. For example, it may trigger fraud detection, update transaction limits, or initiate notifications when the criteria are met. The system ensures that payment processing remains reliable and adaptable to varying transaction volumes and user behaviors. By incorporating these criteria, the system enhances control over transaction flows, reducing risks and improving responsiveness to real-time conditions. The invention is particularly useful in financial services, e-commerce, and digital payment platforms where transaction monitoring and automated responses are critical.
3. The system of claim 1 , wherein the operations further comprise: causing a representation of the good or the service corresponding to the item identifier to be displayed on the user interface.
A system for managing and displaying items in a user interface, particularly in digital commerce or inventory management applications. The system addresses the challenge of efficiently presenting item details to users, ensuring accurate and timely information display. The system includes a processing unit that receives an item identifier, such as a product code or service reference, and retrieves associated data from a database. This data includes attributes like price, description, and availability. The system then processes this information to generate a representation of the item, which may include text, images, or interactive elements. This representation is dynamically displayed on a user interface, allowing users to view and interact with the item details. The system ensures real-time updates and accurate reflection of item status, improving user experience and operational efficiency. The display may be customized based on user preferences or system configurations, enhancing usability. The system may also integrate with other modules, such as payment or inventory systems, to provide a seamless workflow. This approach streamlines item management and presentation, reducing errors and improving accessibility.
4. The system of claim 1 , wherein the first visual code comprises a Quick Response (QR) code.
A system for visual code-based interactions includes a first visual code, such as a Quick Response (QR) code, that encodes data for retrieval by a user device. The system also includes a second visual code that encodes data for retrieval by the same or a different user device. The system further includes a processing module that generates the first and second visual codes based on input data, such as user preferences, device capabilities, or environmental conditions. The processing module may also adjust the visual codes dynamically to optimize readability or functionality. The system may be used in applications like authentication, payment processing, or information sharing, where visual codes facilitate secure and efficient data exchange between devices. The use of QR codes, which are widely supported and easily scannable, ensures broad compatibility and user accessibility. The system may also include error correction mechanisms to ensure data integrity even if part of the visual code is obscured or damaged. The processing module can generate visual codes with varying levels of redundancy or complexity based on the intended use case, such as high-security applications requiring robust error correction or low-bandwidth environments where smaller code sizes are preferred. The system may also integrate with existing software or hardware platforms to enhance functionality, such as linking visual codes to specific actions or services within an application.
5. The system of claim 1 , wherein the operations further comprise: authenticating the merchant device based on biometric information corresponding to an authorized user of the merchant device, wherein the causing the merchant device to display the first visual code is performed in response to the authenticating the merchant device.
A payment processing system authenticates merchant devices using biometric verification before generating and displaying visual codes for transactions. The system operates in the domain of secure financial transactions, addressing the need for reliable merchant authentication to prevent unauthorized access and fraudulent payments. The system includes a merchant device equipped with biometric sensors, such as fingerprint or facial recognition, to verify the identity of an authorized user. Upon successful authentication, the system generates a visual code, such as a QR code, which is displayed on the merchant device for scanning by a customer's payment device. This ensures that only authorized users can initiate transactions, enhancing security in point-of-sale environments. The system may also include additional features, such as transaction logging, fraud detection, and integration with payment networks, to further secure the payment process. The biometric authentication step is a critical component, as it prevents unauthorized individuals from accessing the merchant device and generating fraudulent payment requests. This approach improves transaction security while maintaining a streamlined user experience for authorized merchants.
6. The system of claim 5 , wherein the biometric information comprises at least one of a fingerprint or a facial image, and the authenticating the merchant device based on the biometric information comprises determining whether the biometric information of the user matches stored biometric information.
A system for secure authentication of merchant devices using biometric data addresses the need for reliable verification of authorized users in transaction processing environments. The system captures biometric information from a user, such as a fingerprint or facial image, and compares it against stored biometric templates to authenticate the user's identity. This authentication process ensures that only authorized individuals can access or operate the merchant device, enhancing security in financial transactions. The system may also include a merchant device equipped with biometric sensors and processing capabilities to perform the authentication locally or via a connected network. By leveraging biometric data, the system reduces reliance on traditional authentication methods like passwords or PINs, which are susceptible to theft or unauthorized access. The solution is particularly useful in point-of-sale systems, mobile payment terminals, and other devices handling sensitive financial data, where unauthorized access could lead to fraud or data breaches. The biometric authentication process involves capturing the user's biometric sample, extracting relevant features, and matching them against pre-enrolled biometric templates stored in a secure database. If the match is successful, the system grants access to the merchant device or transaction functions; otherwise, access is denied. This approach improves security while maintaining user convenience.
7. The system of claim 1 , wherein the operations further comprise: in response to determining that the funds have been transferred, causing at least one of the merchant device or the consumer device to generate an indication that the payment transaction is complete.
A payment processing system facilitates secure and efficient transactions between a consumer device and a merchant device. The system monitors the transfer of funds between the devices and provides real-time confirmation of transaction completion. When funds are successfully transferred, the system triggers at least one of the merchant device or the consumer device to generate a visual, auditory, or haptic indication confirming the payment transaction is complete. This ensures both parties are immediately notified of the transaction status, reducing uncertainty and improving user experience. The system may also include authentication mechanisms to verify the identities of the consumer and merchant before processing the payment, ensuring secure transactions. The indication may be a notification, a display update, or an alert, depending on the device capabilities. This feature enhances transparency and trust in digital payment systems by providing immediate feedback to users.
8. The system of claim 1 , wherein the first visual code and the second visual code are displayable on an electronic ink display.
The invention relates to a system for displaying visual codes, such as barcodes or QR codes, on an electronic ink display. Electronic ink displays, commonly used in e-readers and digital signage, are known for their low power consumption and high visibility in sunlight. However, generating and displaying dynamic visual codes on such displays presents challenges due to their slower refresh rates and limited color capabilities compared to traditional LCD or OLED screens. The system addresses these challenges by optimizing the generation and rendering of visual codes to ensure they are accurately readable by scanning devices despite the display's limitations. The visual codes, which may include barcodes or QR codes, are designed to be displayed on an electronic ink display, which typically uses bistable or electrophoretic technology. This allows the codes to remain visible even when the display is not actively powered, reducing energy consumption. The system ensures that the visual codes are generated with sufficient contrast and resolution to be reliably scanned by standard optical readers. It may also include error correction mechanisms to account for any distortions or artifacts that may occur during display rendering. The visual codes can be dynamically updated to reflect changes in data, such as inventory status, authentication tokens, or transaction details, while maintaining readability on the electronic ink display. By leveraging the unique properties of electronic ink displays, the system provides a power-efficient and durable solution for applications requiring visual code display, such as digital labels, smart packaging, or low-power IoT devices.
9. A method, comprising: causing, by a payment provider server comprising one or more hardware processors, a merchant device of a merchant to display a first visual code, the first visual code encoding first payment initiation instructions for paying the merchant; receiving a payment request to push a payment from a consumer to the merchant based on the first payment initiation instructions, the payment request being received by the payment provider server from a consumer device of the consumer after the first visual code has been decoded; subsequent to the receiving the payment request, transferring the payment from a consumer account corresponding to the consumer to a merchant account corresponding to the merchant; based on one or more code change criteria, causing the merchant device to display a second visual code in replacement of the first visual code, the second visual code having a different visual appearance than the first visual code, the second visual code encoding second payment initiation instructions for paying the merchant; and subsequent to causing the merchant device to display the second visual code, causing the first visual code to become unusable for payments to the merchant.
This invention relates to a payment system that uses dynamically changing visual codes, such as QR codes, to facilitate secure and efficient transactions between consumers and merchants. The problem addressed is the risk of unauthorized or fraudulent payments when static visual codes are used, as they can be captured and reused by malicious actors. The system involves a payment provider server that generates and manages visual codes displayed on a merchant's device. Initially, the server causes the merchant device to display a first visual code encoding payment initiation instructions for the merchant. A consumer scans this code with their device, which sends a payment request to the payment provider server. The server then processes the payment by transferring funds from the consumer's account to the merchant's account. To enhance security, the system monitors one or more code change criteria, such as time elapsed, transaction volume, or detected fraud attempts. When these criteria are met, the server generates a second visual code with a different visual appearance and updated payment instructions, replacing the first code on the merchant's device. The first code is then deactivated, preventing further payments. This dynamic updating ensures that even if a visual code is compromised, its usability is limited, reducing fraud risk. The system automates the entire process, from code generation to payment processing and deactivation, improving transaction security and efficiency.
10. The method of claim 9 , wherein the first payment initiation instructions are a same as the second payment initiation instructions.
A payment processing system facilitates secure and efficient transactions between a payer and a payee. The system addresses challenges in payment authentication, particularly when multiple payment initiation requests are involved. The method involves generating first payment initiation instructions for a transaction and transmitting them to a payment service provider. The system then receives second payment initiation instructions from the payment service provider and compares them to the first instructions. If the instructions match, the system proceeds with the transaction, ensuring consistency and reducing the risk of fraud or errors. This verification step helps maintain transaction integrity by confirming that the payment details remain unchanged between initiation and processing. The method also includes generating a payment token for the transaction, which is used to authenticate and authorize the payment without exposing sensitive financial information. The system may further validate the payment token before processing the transaction, adding an additional layer of security. This approach streamlines payment workflows while enhancing security and reliability in digital transactions.
11. The method of claim 10 , wherein the first payment initiation instructions include a Uniform Resource Locator (URL) address.
A system and method for facilitating electronic payments involves initiating a payment transaction between a payer and a payee using a payment initiation service. The method includes receiving a payment initiation request from a payer device, where the request includes payment details such as the payee's account information and the payment amount. The payment initiation service then generates payment initiation instructions, which may include a Uniform Resource Locator (URL) address, and transmits these instructions to the payer device. The payer device uses the URL to access a payment interface, where the payer can review and confirm the payment details. Upon confirmation, the payment initiation service processes the transaction by communicating with a payment processing system to transfer funds from the payer's account to the payee's account. The system ensures secure and efficient payment processing by leveraging digital communication channels and automated transaction handling. The inclusion of a URL in the payment initiation instructions allows the payer to easily access the payment interface, streamlining the payment process. This method addresses the need for secure, user-friendly electronic payment solutions that reduce manual intervention and improve transaction efficiency.
12. The method of claim 9 , wherein the first payment initiation instructions are different than the second payment initiation instructions.
A payment processing system enables secure and flexible transactions by dynamically generating and executing distinct payment initiation instructions for different stages of a transaction. The system addresses the need for enhanced security and adaptability in payment workflows, particularly in scenarios where multiple payment steps or conditions are involved. The method involves generating a first set of payment initiation instructions for an initial transaction phase and a second, distinct set of payment initiation instructions for a subsequent phase. These instructions may differ in parameters such as payment amount, recipient, timing, or authentication requirements. The system ensures that each phase of the transaction is handled with tailored instructions, reducing the risk of fraud and improving transaction efficiency. The method may also include validating the instructions before execution and verifying the transaction status to ensure compliance with predefined rules. This approach allows for greater control over payment flows, supporting complex transaction scenarios while maintaining security and reliability.
13. The method of claim 12 , wherein the first payment initiation instructions include a Uniform Resource Locator (URL) address, and the second payment initiation instructions include a different URL address.
A payment processing system facilitates transactions between a payer and a payee by generating and transmitting payment initiation instructions. The system includes a payment processing server that receives a payment request from a payer device, where the request includes payment details such as the payee's account information and the transaction amount. The server generates first payment initiation instructions for the payer and second payment initiation instructions for the payee. The first instructions include a URL address that directs the payer to a payment confirmation interface, while the second instructions include a different URL address that directs the payee to a payment receipt interface. The system ensures secure and distinct communication paths for both parties, reducing the risk of unauthorized access or fraud. The payer and payee access their respective interfaces via the provided URLs to complete the transaction. This method enhances security by separating the payer and payee interactions while maintaining transaction integrity.
14. The method of claim 9 , further comprising: receiving a second payment request to push a payment from a second consumer to the merchant based on the second payment initiation instructions, the second payment request being received by the payment provider server from a second consumer device of the second consumer after the second visual code has been decoded; and subsequent to the receiving the second payment request, transferring the payment from a second consumer account corresponding to the second consumer to the merchant account.
This invention relates to a payment system that uses visual codes, such as QR codes, to facilitate transactions between consumers and merchants. The problem addressed is the need for a secure, efficient way to initiate and process payments without requiring physical contact or manual entry of payment details. The system involves generating a visual code, such as a QR code, that encodes payment initiation instructions. These instructions include details like the merchant's account information and the transaction amount. The visual code is displayed to a consumer, who scans it using a consumer device. The device decodes the visual code and sends a payment request to a payment provider server, which processes the request and transfers funds from the consumer's account to the merchant's account. The invention further includes handling multiple payment requests. If a second consumer scans a second visual code, the payment provider server receives a second payment request containing the decoded instructions. The server then processes this request by transferring funds from the second consumer's account to the merchant's account. This allows multiple consumers to initiate payments to the same merchant using different visual codes, ensuring flexibility and scalability in payment processing. The system ensures secure and automated transactions while minimizing manual intervention.
15. The method of claim 14 , further comprising; causing, based on the first payment initiation instructions included in the first visual code, the consumer device to display a first user interface corresponding to the payment request; and causing, based on the second payment initiation instructions included in the second visual code, the second consumer device to display a second user interface corresponding to the second payment request.
This invention relates to a payment system that uses visual codes to facilitate transactions between consumer devices. The system addresses the problem of securely and efficiently initiating payments between users without requiring manual entry of payment details. The method involves generating and displaying visual codes on consumer devices, where each visual code contains payment initiation instructions. When a first consumer device scans a visual code displayed on a second consumer device, the first device processes the payment initiation instructions to display a user interface corresponding to a payment request. Similarly, the second consumer device processes its own visual code to display a corresponding user interface for the payment request. The system ensures that both devices involved in the transaction receive and display the appropriate payment interfaces, enabling seamless and secure payment processing. The visual codes may include details such as payment amounts, recipient information, and transaction identifiers, allowing the devices to authenticate and authorize the payment without additional user input. This approach reduces errors and enhances security by eliminating the need for manual data entry.
16. The method of claim 15 , wherein the first user interface is the same as a second user interface.
A system and method for user interface consistency in software applications addresses the problem of inconsistent user experiences across different interfaces, which can lead to user confusion and inefficiency. The invention provides a technique for ensuring that a first user interface and a second user interface are identical in appearance and functionality, allowing users to interact with the system in a uniform manner. This consistency reduces learning curves and improves usability by eliminating discrepancies between different interface elements. The method involves generating and displaying the first user interface, which is designed to match the second user interface in layout, controls, and behavior. The interfaces may be part of the same application or different applications, ensuring a seamless experience for users navigating between them. The invention may also include additional features such as dynamic updates to maintain consistency as changes are made to either interface. This approach is particularly useful in multi-module applications or systems where multiple interfaces are used to access related functions, ensuring a cohesive and predictable user experience.
17. A non-transitory computer readable medium storing computer-executable instructions, that in response to execution by one or more hardware processors, causes a system to perform operations comprising: causing, by a payment provider server comprising one or more hardware processors, a merchant device of a merchant to display a first visual code, the first visual code encoding first payment initiation instructions for paying the merchant; receiving a payment request to push a payment from a consumer to the merchant based on the first payment initiation instructions, the payment request being received by payment provider server from a consumer device of the consumer after the first visual code has been decoded; subsequent to the receiving the payment request, transferring the payment from a consumer account corresponding to the consumer to a merchant account corresponding to the merchant; based on one or more code change criteria, causing the merchant device to display a second visual code in replacement of the first visual code, the second visual code having a different visual appearance than the first visual code, the second visual code encoding second payment initiation instructions for paying the merchant; and subsequent to causing the merchant device to display the second visual code, causing the first visual code to become unusable for payments to the merchant.
This invention relates to a payment system that uses dynamically changing visual codes, such as QR codes, to facilitate secure and efficient transactions between consumers and merchants. The system addresses the problem of static visual codes being vulnerable to unauthorized use or fraud, as they remain valid indefinitely once generated. The solution involves generating and displaying a first visual code on a merchant device, which encodes payment initiation instructions for a consumer to pay the merchant. When a consumer scans this code using their device, a payment request is sent to a payment provider server, which processes the payment by transferring funds from the consumer's account to the merchant's account. To enhance security, the system monitors one or more code change criteria, such as time elapsed, transaction volume, or detected fraud attempts, and dynamically replaces the first visual code with a second visual code that has a different visual appearance and encodes updated payment initiation instructions. The first visual code is then rendered unusable, preventing further payments. This approach ensures that visual codes remain valid only for a limited time or under specific conditions, reducing the risk of unauthorized use. The system is implemented via a non-transitory computer-readable medium storing executable instructions that, when run by a payment provider server, perform these operations.
18. The non-transitory computer readable medium of claim 17 , wherein the operations further comprise: determining a total price of one or more items being purchased by the consumer; determining a payment amount included in the payment request; and determining whether the payment amount is equal to the total price.
This invention relates to a payment verification system for digital transactions, addressing the problem of ensuring accurate payment amounts in online purchases. The system compares the payment amount submitted by a consumer with the total price of items being purchased to detect discrepancies. The non-transitory computer-readable medium stores instructions that, when executed, perform operations including calculating the total price of one or more items selected for purchase, analyzing the payment amount provided in a payment request, and verifying whether the payment amount matches the total price. If the amounts differ, the system may flag the transaction for review or reject the payment request to prevent underpayment or overpayment errors. This verification process enhances transaction accuracy and reduces financial discrepancies in digital commerce. The system may also integrate with existing payment processing workflows to streamline validation without disrupting the consumer experience. The invention aims to improve reliability in online transactions by automating payment verification, minimizing manual intervention, and ensuring compliance with pricing agreements.
19. The non-transitory computer readable medium of claim 17 , wherein the transferring the payment from the account of the consumer to the account of the merchant is performed in response to determining that the payment amount is equal to a total price.
This invention relates to a payment processing system for facilitating secure and efficient transactions between consumers and merchants. The system addresses the problem of ensuring that payments are only transferred when the payment amount matches the total price of the transaction, preventing errors or fraudulent transactions. The system includes a computer-readable medium storing instructions that, when executed, perform a payment processing method. The method involves receiving a payment request from a consumer for a transaction with a merchant, where the request includes a payment amount. The system then verifies the payment amount against the total price of the transaction. If the payment amount matches the total price, the system transfers the payment from the consumer's account to the merchant's account. This verification step ensures that only correct payments are processed, reducing the risk of overpayments, underpayments, or unauthorized transactions. The system may also include additional security measures, such as authentication of the consumer and validation of the merchant's account, to further enhance transaction security. The method ensures that payments are only executed when all conditions are met, providing a reliable and secure payment processing solution.
20. The non-transitory computer readable medium of claim 17 , wherein the operations further comprise: in response to transferring the payment from the consumer account to the merchant account, causing at least one of the merchant device or the consumer device to generate an indication that the payment is complete.
This invention relates to digital payment systems, specifically to confirming payment completion between a consumer and a merchant. The problem addressed is the lack of immediate feedback to either party when a payment is processed, leading to uncertainty or disputes. The solution involves a computer-implemented method where a payment is transferred from a consumer account to a merchant account, and upon successful transfer, a notification is generated to confirm the payment is complete. This notification can be sent to either the merchant device, the consumer device, or both, ensuring both parties are aware of the transaction status. The system may use various communication methods, such as push notifications, emails, or in-app alerts, to deliver the confirmation. The notification may include details like the transaction amount, timestamp, and payment method to provide transparency. This ensures real-time verification of payment completion, reducing errors and improving trust in digital transactions. The invention may be part of a broader payment processing system that handles authentication, authorization, and settlement, but its focus is on the post-transfer confirmation step. The notification can be customized based on user preferences or merchant requirements, ensuring flexibility in how the confirmation is delivered.
Unknown
March 3, 2020
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